Laura Berry is a former State Farm insurance producer and insurance expert.

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Important facts to know...

  • A car insurance quote is an estimated price of what a car insurance policy would cost you per month or policy term
  • To get a good deal on car insurance, you should always get at least three quotes from three different insurance carriers
  • A comparison tool can help you quickly find car insurance quotes and purchase a new, more affordable policy

If you don’t frequently compare your car insurance rates with competitors, you could be spending more money than you should be for your car insurance policy.

Getting car insurance quotes allows you to see what other car insurance carriers are charging for policies that are similar to yours.

In some instances, using a car insurance comparison tool and purchasing a different policy from another carrier could save you hundreds of dollars a year.

See how much you could save by using our free comparison tool!

Why Different Carriers Charge Different Rates for the Same Types of Policies

Different insurance carriers use different mathematical formulas for calculating risk, and they weigh certain factors heavier or lighter than their competitors.

This means that two insurance companies may charge dramatically different insurance rates for similar policies, which is why it’s important to get car insurance quotes via a comparison tool from several different car insurance companies before deciding on a policy.

It’s important to get no less than three quotes and preferably five quotes by using a car insurance comparison tool before you choose an insurance company and a policy.

This allows you to view all the prices and directly compare the policy details to ensure you are getting the best coverage for your money.

Enter your ZIP code below to compare car insurance company rates.

 Secured with SHA-256 Encryption

Look at More Than the Price

when you start shopping for car insurance policies, look at more than the monthly and overall costs. Too many drivers choose the policy with the lowest monthly cost or overall total premium. Unfortunately, this could cost you if you get into a car accident.

The worst-case scenario involves accidentally taking out a policy with a fake insurance agent who says he is authorized to sell insurance policies from various companies.

In this scenario, you would have most likely found the agent via an Internet search or through a direct ad for the agent. You would fill out the paperwork and pay the monthly premiums.

Unfortunately, if you were to get into a car accident and file a claim by calling the insurance company, you’d quickly find out that you weren’t holding a valid policy.

In this type of scenario, you would be responsible for all the damage incurred at the time of the accident.

To avoid this scenario, you should always check to see if the agent works or is approved to sell insurance policies from the insurance companies he or she lists on their website, especially if you clicked on a random ad via the Internet.

To entirely avoid this scenario, you should use a comparison tool to find valid policies that adhere to your state’s insurance rules and regulations.

Make Sure You Are Adequately Covered by the Policy

The second worst-case scenario is buying a cheap insurance policy and not reading the fine print or the exclusions.

In this instance, you would hold a valid insurance policy, but it may not cover items that you thought were covered, and it may offer too little coverage, leaving you underinsured.

To avoid this catastrophic scenario, you should use a car insurance comparison tool to quickly shop valid policies from well-known car insurance companies.

Once you have your quotes, look at the prices and read all of the paperwork for each quote to ensure that you are covered if you get into a car accident.

Once you have reviewed multiple policies from multiple insurance carriers, choose a policy that best meets your needs and your budget.

This may mean choosing a policy that is slightly more than the lowest quote, but this will allow you to feel confident that you are covered if you get into an accident.

Compare rates right now by entering your zip code in the free tool below.